Ripple is advancing its institutional finance strategy by introducing new compliance and credit tools, as outlined in its latest roadmap. The company plans to launch a native lending protocol later this year, featuring pooled lending and insured credit, aimed at providing low-cost, compliant loans to institutions and profit opportunities for smaller investors. Currently, Ripple has implemented three compliance features: credentials for verifying user attributes, deep freezes to block sanctioned accounts, and simulations for testing transactions without recording them. Looking ahead, Ripple's roadmap includes the development of zero-knowledge proofs by the XRPL community and the introduction of a confidential multi-purpose token in early 2026. This token will facilitate collateral management while maintaining data privacy. These initiatives underscore Ripple's commitment to positioning XRPL as a premier blockchain for institutional finance, focusing on regulatory compliance and secure scalability.